Mobile payment allows users to perform payment transactions through their mobile devices. However, it brings up many emerging issues regarding security and performance of mobile payment systems that can be classified into at least two main problems. The first problem comes from the limitations of wireless environments that are primarily from mobile devices which have limited system resources an...

The underlying model of an electronic payment system consists of three parties: a bank, a customer, and a shop. There are three different types of transactions within the system: withdrawal involving the bank and the customer, payment involving the customer and the shop, and deposit involving the shop and the bank. The customer's account is debited during withdrawal, and the shop is credited du...

OBJECTIVES To assess how diagnosis-related group-based (DRG-based) hospital payment systems in 12 European countries participating in the EuroDRG project pay and incorporate technological innovation. METHODS A standardized questionnaire was used to guide comprehensive DRG system descriptions. Researchers from each country reviewed relevant materials to complete the questionnaire and drafted s...

The Internet Open Trading Protocol (IOTP) is an electronic commerce protocol being developed by the Internet Engineering Task Force. IOTP aims at providing an interoperable framework for electronic commerce (ecommerce) over the Internet. IOTP is expected to evolve into one of the central building blocks for the developing of next generation e-commerce on the Internet. The success of electronic ...

As from the beginning of the late 70's an impressive number of innovative electronic payment systems have been developed and tested commercially. However, the resulting variety and complexity of the systems have turned out to be one of the obstacles for the broad acceptance of electronic payment. In this paper we propose a process and service oriented framework, which offers a structural and co...

In this paper, an Internet payment system is proposed. It gives users a choice to choose which payment method they like to use, either credit card or electronic coins. A literature review on existing payment systems and cryptography are discussed in the beginning of the paper. Then we discuss the mechanism of the proposed system and comparisons between the existing systems and the proposed one....

Many existing and proposed electronic payment systems are quite insecure and the number of claims involving fraudulent or disputed transactions is rising steeply. The banks’ recent action in limiting customers’ liability for such transactions through automatic teller machine (ATM) systems to £50 may in practice limit ATM claims to those cases where consequential losses are involved, but growing...

A prerequisite to carry out transactions using a mobile phone is an effective mobile payment system. However, no standardised, widely adopted mobile payment system has yet emerged, and this is believed to be one of the factors that inhibits widespread use of mobile commerce. This paper reports on a research project in which the factors are examined that affect the introduction success of mobile...

Online retail sites vary in terms of payment processes that consumers encounter. Little is known about how different implementations of payment processes affect consumers. Through the lens of mental accounting research, we theorize and empirically find that implementation characteristics of usability, feedback, and rehearsal affect consumer recall of past expenses and future impulse purchase de...